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Important clauses of auto insurance policies

Car insurance cannot be claimed if not damaged under certain conditions

Apnaloan.com Research Bureau

10 Aug 2007

The vehicle insurance cover is not applicable if there is consequential loss, depreciation, wear and tear or mechanical and electrical breakdown. It is also not applicable in the following cases:

  • Drunken driving 
  • Driver does not hold a driving licence
  • More people in the vehicle than the capacity permitted by the RTO
  • Damage incurred in a war zone.